Comments:

1. Use the XML family of technologies if you can and that is good enough. Do we know the full potential? What can we do with XSL?
2. Use a database and a server side scripting language when / if you need it.
3. MS uses OpenXML as the format for Office 2007 files and reduced file size by about 50 % compared to binary format, if I heard correct on the MS seminar. Difficult to believe, since there are much overhead on XML documents.

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Kjell Gunnar Bleivik:: Financial information at your fingertips
Learn object oriented programming where it started